+120 more*These quotes are from Compare.com users in and around Los Angeles, California within the last 10 days. Updated on August 15, 2026
*These quotes are from Compare.com users in and around Los Angeles, California within the last 10 days. Updated on August 15, 2026
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Updated
The lowest-priced car insurance in Los Angeles comes from USAA, with an average rate of $131 per month.
In Los Angeles, full-coverage car insurance averages $290 per month, while liability-only coverage averages $158 per month.
State Farm, Farmers, and Amica are our top picks for the best car insurance options for Los Angeles drivers.
Many factors affect your car insurance rates, like your driving record, ZIP code, credit history, and age.[1] Because premiums vary from person to person, checking average rates for similar drivers can be helpful.
Below, you’ll find average rates for different Los Angeles drivers, according to Compare.com data.
Driver or Coverage Type | Cheapest Insurer | Cheapest Monthly Premium |
|---|---|---|
| State-minimum coverage | USAA | $131 |
| Full coverage | Aspire General | $250 |
| Teens | USAA | $237 |
| Seniors | USAA | $109 |
| Drivers with a speeding ticket | USAA | $170 |
| Drivers with an at-fault accident | USAA | $174 |
| Drivers with a DUI | USAA | $183 |
Everyone wants a good deal on car insurance, but finding the right coverage at the best price is tricky. Luckily, we’re here to help.
The insurers in the table below offer the cheapest car insurance in Los Angeles, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $131 |
| Aspire General | $134 |
| Sun Coast | $139 |
| GEICO | $141 |
| Mercury | $145 |
| National General | $147 |
| Dairyland | $161 |
| Direct Auto | $171 |
| Root | $171 |
| Farmers | $185 |
| Anchor | $187 |
| Bristol West | $201 |
| State Farm | $201 |
| Kemper Special | $205 |
| Travelers | $212 |
| Kemper Rsvp | $226 |
| 21st Century | $230 |
| First Acceptance | $307 |
| Chubb | $358 |
Category | Price |
|---|---|
| $78 | 3.8% |
| $97 | 5.6% |
| $115 | 6.6% |
| $134 | 7.9% |
| $153 | 8.4% |
| $171 | 8.4% |
| $190 | 7.6% |
| $209 | 7.5% |
| $227 | 6.8% |
| $246 | 5.8% |
| $265 | 5.5% |
| $284 | 4.8% |
| $302 | 4.0% |
| $321 | 3.7% |
| $340 | 3.2% |
| $358 | 2.8% |
| $377 | 2.3% |
| $396 | 2.1% |
| $414 | 1.8% |
| $433 | 1.5% |
California requires drivers to have a certain minimum amount of car insurance. Liability-only coverage helps pay for the other driver’s vehicle repairs and medical expenses when you cause an accident. But it doesn’t cover your own expenses, so you could be on the hook for a large bill.
Liability-only insurance costs an average of $158 per month. Minimum coverage might make sense if your car isn’t worth much, but car insurance experts typically recommend full-coverage insurance.
The chart below shows the cheapest companies for liability-only insurance in Los Angeles, according to data from Compare.com.
Company | Average Monthly Premium |
|---|---|
| USAA | $131 |
| Aspire General | $134 |
| Sun Coast | $139 |
| GEICO | $141 |
| Mercury | $145 |
| National General | $147 |
| Dairyland | $161 |
| Direct Auto | $171 |
| Root | $171 |
| Farmers | $185 |
| Anchor | $187 |
| Bristol West | $201 |
| State Farm | $201 |
| Kemper Special | $205 |
| Travelers | $212 |
| Kemper Rsvp | $226 |
| 21st Century | $230 |
| First Acceptance | $307 |
| Chubb | $358 |
In California, all drivers must have car insurance that meets the state’s minimum coverage requirements. You can choose to have more coverage, but not less.
Every driver needs an active policy with $30,000 per person and $60,000 per accident of bodily injury liability coverage, and $15,000 per accident of property damage liability, according to the California Department of Motor Vehicles.[2]
Full-coverage car insurance meets California’s minimum liability requirements and usually includes higher limits, comprehensive coverage, and collision coverage. The extra coverage helps pay for your damages if you hit a car or other object. You also have protection against storm damage, theft, and vandalism.[3]
In Los Angeles, full-coverage car insurance costs an average of $290 per month.
Check out the chart below for the cheapest insurers for full coverage in Los Angeles, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Aspire General | $250 |
| Root | $277 |
| GEICO | $297 |
| Mercury | $297 |
| USAA | $307 |
| Kemper Special | $338 |
| Kemper Rsvp | $344 |
| Sun Coast | $351 |
| Anchor | $363 |
| National General | $414 |
| Dairyland | $417 |
| Farmers | $436 |
| Direct Auto | $446 |
| Bristol West | $459 |
| State Farm | $473 |
| Travelers | $496 |
| 21st Century | $541 |
| First Acceptance | $728 |
| Chubb | $842 |
The average cost to insure a teen in Los Angeles is $399 per month. Since teen drivers have less experience and tend to take more risks, they typically pay more for insurance than other age groups.[4]
The good news is you don’t have to settle for high rates. By shopping around and comparing quotes, you can find a great deal and save money.
Take a look at the chart below for the insurers with the cheapest rates for teens in Los Angeles, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $237 |
| Aspire General | $239 |
| Sun Coast | $248 |
| GEICO | $252 |
| Root | $254 |
| Mercury | $261 |
| Dairyland | $275 |
| National General | $288 |
| Direct Auto | $329 |
| Bristol West | $351 |
| Anchor | $355 |
| Farmers | $364 |
| Kemper Special | $366 |
| State Farm | $384 |
| Kemper Rsvp | $403 |
| 21st Century | $404 |
| Travelers | $433 |
| First Acceptance | $547 |
| Chubb | $722 |
Rates in Los Angeles start at $131 per month.
Your car insurance rates usually go down as you get older. Seniors typically have more experience and are safer, more careful drivers. Insurance companies reward this experience with lower rates.[5]
The average rate for senior drivers in Los Angeles is $203 per month. But you may find even lower rates with one of the insurers in the chart below.
Here are the cheapest car insurance companies for Los Angeles seniors, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $109 |
| GEICO | $115 |
| Mercury | $118 |
| National General | $119 |
| Aspire General | $122 |
| Sun Coast | $126 |
| Dairyland | $140 |
| Direct Auto | $144 |
| Farmers | $151 |
| Anchor | $154 |
| Root | $161 |
| State Farm | $162 |
| Bristol West | $172 |
| Travelers | $174 |
| Kemper Special | $186 |
| 21st Century | $186 |
| Kemper Rsvp | $205 |
| Chubb | $278 |
| First Acceptance | $279 |
Your driving record affects how much you pay for auto insurance. At-fault accidents, tickets, and driving under the influence (DUI) convictions increase your rates when your policy renews. The higher costs don’t last forever, but comparing rates can help you save money in the meantime.
The table below lists the most affordable insurers in Los Angeles for drivers who have a recent violation, based on data from Compare.com.
Company | Average Monthly Premium |
|---|---|
| USAA | $170 |
| Aspire General | $170 |
| Sun Coast | $177 |
| National General | $185 |
| GEICO | $186 |
| Dairyland | $201 |
| Mercury | $202 |
| Root | $205 |
| Direct Auto | $217 |
| Anchor | $232 |
| Farmers | $238 |
| Bristol West | $256 |
| State Farm | $256 |
| Kemper Special | $261 |
| Travelers | $276 |
| Kemper Rsvp | $287 |
| 21st Century | $305 |
| First Acceptance | $390 |
| Chubb | $459 |
Company | Average Monthly Premium |
|---|---|
| Aspire General | $172 |
| USAA | $174 |
| Sun Coast | $178 |
| GEICO | $184 |
| National General | $193 |
| Dairyland | $209 |
| Root | $211 |
| Mercury | $213 |
| Direct Auto | $230 |
| Anchor | $239 |
| Farmers | $245 |
| Kemper Special | $262 |
| Bristol West | $262 |
| State Farm | $264 |
| Travelers | $283 |
| Kemper Rsvp | $289 |
| 21st Century | $311 |
| First Acceptance | $393 |
| Chubb | $473 |
Company | Average Monthly Premium |
|---|---|
| Aspire General | $182 |
| USAA | $183 |
| Sun Coast | $189 |
| GEICO | $197 |
| National General | $205 |
| Mercury | $215 |
| Dairyland | $224 |
| Direct Auto | $238 |
| Root | $238 |
| Farmers | $258 |
| Anchor | $260 |
| Kemper Special | $279 |
| Bristol West | $280 |
| State Farm | $280 |
| Travelers | $295 |
| Kemper Rsvp | $308 |
| 21st Century | $311 |
| First Acceptance | $418 |
| Chubb | $499 |
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You can’t control every factor affecting your car insurance costs, but you can still find ways to lower your rates. Here are some simple ways to get cheaper coverage in Los Angeles:[6]
Reconsider your coverage. If you have an older car that isn’t worth much, you might only need liability coverage. You can drop extra coverages if you can afford to repair or replace your car yourself.
Bundle your coverage. Check whether your insurance company offers homeowners or renters insurance. Most insurers offer generous discounts if you bundle policies.
Compare quotes. Get quotes from at least three different insurers so you can compare coverage options and find the best deal.
Everyone has different car insurance needs, so you won’t find one company that’s best for everyone. The right company for you depends on your unique circumstances and priorities.
But some insurers offer consistently good experiences for a variety of drivers. We picked the following companies as some of the best in Los Angeles. Each insurer stands out in a specific category, making it easier to find the right fit.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $201/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $473/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm stands out as one of the best car insurance options with a hard-to-find combination of low rates and high customer satisfaction. The company earns the highest Compare.com rating of 5 out of 5 because it excels at the basics.
State Farm’s homeowners insurance in California is a different story, though. The company is no longer writing new policies and has recently non-renewed over 70,000 policies. So it’s probably not the best option if you want to bundle coverage in the Golden State.
Excellent customer service ratings
Affordable rates
Above-average claims satisfaction
Limiting homeowners policies in California
Fewer discounts than some competitors
Gap insurance and accident forgiveness not available
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $185/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $436/mo |
Farmers Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.6 | 2.9 |
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Farmers is one of the best picks for Los Angeles drivers because of its bundling options. As some insurers exit the state due to wildfires, Farmers is removing its cap on new policies in California. The company also stands out for its roadside assistance and highly rated telematics program.
That said, it’s not the cheapest option and doesn’t offer pay-per-mile coverage. Farmers also has lower-than-average customer experience ratings in California. But if you’re a homeowner who wants affordable coverage, you might be willing to overlook some of the downsides.
Offers hard-to-find bundling options
User-friendly telematics program
Roadside assistance available
More expensive than some companies
Below-average customer experience ratings
Pay-per-mile coverage not available
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $237/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $417/mo |
Amica is one of the best options for Los Angeles families with a teen driver. The company offers generous discounts for teens, including good student, young driver training, and student away at school discounts. Amica also offers unique policy options, including premium packages and a dividend program.
But Amica’s coverage is more expensive than some other insurers. It also has only one office in California, so it may not be the best choice if you prefer in-person service.
Generous teen driver discounts
High customer satisfaction
Unique policy options
More expensive rates than some insurers
Only offers six-month policies
Limited in-person support in California
If you want to learn more about your insurance options in Los Angeles, we’re here to help. Below, we answered some of the most common questions about coverage in the City of Angels.
On average, car insurance in Los Angeles costs $224 per month, according to Compare.com data. Liability-only averages $158 per month, while full coverage averages $290.
USAA is the cheapest auto insurance company in Los Angeles. It offers rates as low as $131 per month, according to Compare.com data.
Amica, State Farm, and Farmers are among the top insurance companies in Los Angeles, according to Compare.com. But the best choice for you depends on various factors, like your driving record and coverage needs.
It depends. The average cost of car insurance in Los Angeles is $224 per month. For comparison, the California average is $145 per month, and the national average is $141 per month. Many factors influence your costs, including your address, driving history, and age.
No. You don’t need full-coverage car insurance in Los Angeles to meet California’s legal requirements. But many insurance experts recommend buying full-coverage car insurance for extra protection.
You have a few ways to lower your car insurance costs in Los Angeles. Comparing quotes, increasing your deductible, and qualifying for discounts can help you save money on your car insurance. You can also check if your insurer offers telematics programs that can lower your rates for safe driving or driving fewer miles.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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